Alabama Insurance License
Licensing requirements for Alabama insurance professionals and companies.
This page provides an overview of insurance licensing in Alabama for individuals and companies. You will find state requirements, application fees, filing instructions, and more. For assistance with licensing, please contact us to learn about our software and managed license services.
Companies that provide insurance producer services in Alabama must apply for a license prior to doing business. Depending on the lines of authority offered by the entity and the types of services offered, multiple firm licenses may be required.
Before applying, firms should ensure that the licensed individual to be appointed agent in charge has the necessary licenses. Firms should also gather proof of incorporation, or foreign qualification for out-of-state firms, in anticipation of application requirements.
Company Licenses
Alabama Financial Services Company Licenses
Alabama Collection Agency License
Not required
Debt Collection Agency licensure is not required on the State level in Alabama.
Alabama does not currently issue licenses for collection agencies.
Alabama Insurance Agency License
| Agency: | Alabama Department of Insurance |
Initial Registration
This section applies to insurance firms that are applying for a license in Alabama for the first time.
| Agency: | Alabama Department of Insurance |
| Form: | |
| Agency Fee: | Varies by insurance type. Baseline of $100 |
Alabama Third Party Administrator License
| Foreign Qualification is Prerequisite: | No |
| Registered Agent (Special Agency) Required? | No |
Registration Not Required
| Instructions: | The Alabama Department of Insurance does not license Third Party Administrator businesses. If the TPA is a corporation, it should contact the Corporate Division of the Secretary of State’s Office for instructions on qualification as a corporation. |
Alabama Utilization Review Agent Certification
| Type of Review: | Medical Utilization Review |
| Agency: | Alabama Department of Public Health |
| Law: | AL Code § 27-3A-1 et seq. |
Initial Registration
| Form: | Application for Certification as a UR Review Agent, Attachment A, and Policy and Procedure Checklist (if not accredited through URAC). |
| Agency Fee: | $0 for URAC accredited entities and $1,000 for non-accredited entities. |
| Notarize: | Required |
| Required Attachments: | URAC Certified Entities:
Non-Accredited Entities:
|
Registration Renewal
| Form: | Renewal Application for URAC Accredited Agents or Renewal Application for Non-URAC Accredited Agents |
| Agency Fee: | $0 for URAC accredited entities and $1,000 for non-accredited entities. |
| Due: | Annually by June 30. |
| Notarize: | Required |
| Notes: | Separate renewal forms should be filed for each additional physical site other than the location given. |
| Before you Apply: | URAC Certified Entities:
Non-Accredited Entities:
|
Individual Licenses
Alabama Individual Financial Services Licenses
Alabama Insurance Agent License
| Agency: | Alabama Department of Insurance |
Initial Registration
This section applies to insurance agents that are applying for a license in Alabama for the first time.
| Agency Fee: | From $60 to $1,000 depending on license type |
Registration Renewal
| Form: | |
| Filing Method: | Online |
| Agency Fee: | Varies based on residency and license type |
| Due: | Biennially based on year of initial registration |
Alabama Resident Producer License
| Agency: | Alabama Department of Insurance |
Initial Registration
| Instructions: |
|
| Filing Method: | Apply online through NIPR. |
| Agency Fee: | $80 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $80 |
| Due: | Biennially. Renewal year is determined by licnesee's birth year. |
Alabama Temporary Producer License - Resident
| Agency: | Alabama Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $0 |
Renewal Not Required
Not required
A Temporary Producer license is a once in a lifetime license per line of authority and is valid for a maximum of 6 months from the date the license is issued.
Learn about insurance licensing in other states:
Adjuster - A person or firm that is paid to adjust, investigate, and negotiate claim settlements. There are 3 categories of adjusters: company, independent, and public. Company adjusters work for insurance companies and investigate claims on behalf of the company. Independent adjusters investigate claims on a contractual basis for insurance companies. Public adjusters investigate claims on behalf of claimants, usually to determine the amount of money that can be claimed.
Agent in Charge - A licensed individual responsible for the supervision of all individuals within an insurance agency. The agent in charge must be licensed in the same lines as the agency.
Insurance Agent - Insurance agents act as intermediaries between the insurance company and policyholders. Agents can be either captive or independent. Captive agents represent a single insurance company, while independent agents represent multiple insurers.
Insurance Broker - Individuals who sell insurance policies while representing the interests of the buyer. Brokers are typically independent intermediaries without an insurance company affiliation.
Insurance Producer - May be used to refer to either individual insurance agents and brokers or insurance agencies and brokerages.
Managing General Agent - An agent or broker that is involved in underwriting and has other areas of authority normally handled by insurers. MGAs are typically involved in unusual lines of coverage or in geographically prohibitive areas.
Surplus Lines Insurer - An insurance carrier that takes on risks that a licensed carrier is unwilling to insure. Surplus lines insurers do not have access to state guaranty funds and are less tightly regulated by state governing bodies.
Third Party Administrator - An organization that manages group insurance policies and works with the employer and insurance carrier to process claims, handle loss control, and provide risk management and consulting services.
Title Agent - Title agents sell insurance that protects real estate owners against loss of ownership of a property due to a legal claim.
Viatical Settlement Provider - A company that purchases life insurance policies at a discount from individuals seeking immediately available funds.
Independent Insurance Agents and Brokers of America (Big “I”)
Advocacy group of independent insurance brokers and agents.
National Association of Insurance and Financial Advisors (NAIFA)
Professional association that advocates for favorable regulatory conditions for insurance agents and financial advisors.
National Association of Insurance Companies (NAIC)
A standard setting and regulatory support organization that is governed by state insurance regulators.
National Association of Professional Insurance Agents (PIA)
Professional association that provides education and advocacy for insurance agents throughout the United States.
National Insurance Producer Registry (NIPR)
An affiliate of the NAIC that provides streamlined and uniform producer licensing processes.
